Credit Risk Specialist

Description

Job Summary: A Credit Risk professional responsible for structuring and monitoring risk management, ensuring regulatory compliance and supporting decision-making. Key Highlights: 1. Develop and enhance risk management methodologies, models, and policies 2. Serve as the primary technical reference for managers and senior leadership 3. Promote the dissemination of credit risk management and analysis culture **Description and Responsibilities:** **Schedule:** Flexible hours **Level:** Professional **Employment Type:** Permanent – CLT The **Credit Risk Department** is responsible for structuring and monitoring credit risk management at Sicoob, ensuring regulatory compliance, portfolio soundness, and support for decision-making. It handles policy development, audit and regulatory body engagement, and risk indicator monitoring. **Responsibilities:** * Develop and enhance credit risk management methodologies, models, policies, and processes, promoting improvements in analytical architecture, data best practices, and financial market–specific tools. * Deliver high-complexity analytical solutions and functionalities, guiding and technically validating deliverables from IT departments and ensuring the quality, consistency, and integrity of information and methodologies used. * Lead systemic credit risk management across the Sicoob System, tracking market trends, analytical innovations, and applicable regulatory developments. * Interpret, support, and ensure consistent implementation of credit risk–related regulatory instruments and guidelines. * Serve as the primary technical reference for managers, governance bodies, and senior leadership, supporting strategic decisions through specialized analyses and timely communication of relevant risks. * Validate and interpret strategic risk indicators, assessing impacts on portfolios, assets, new products, services, and strategic initiatives. Act as a technical mentor for the team, promoting the dissemination of credit risk management and analysis culture. * **Requirements:** **Mandatory Requirements:** * Bachelor’s degree and specialization in Statistics, Economics, Accounting Sciences, Mathematics, Engineering, or related fields; * Experience in credit risk analysis across the full lifecycle (origination, monitoring, provisioning, recovery, and stress testing); * Experience in predictive modeling applied to credit; * Proficiency in programming languages (SQL and Python); * Knowledge of legislation governing financial institutions (National Monetary Council / Central Bank of Brazil); * Familiarity with regulations on credit risk issued by the Central Bank of Brazil and the National Monetary Council. **Desirable Requirements:** * Experience with Databricks and BI tools; * Experience with expected loss models; * Knowledge of Resolution No. 4966. **Benefits:** Childcare/Babysitting Allowance, Undergraduate and Graduate Study Grants, Christmas Basket, Year-End Day Off, Extended Maternity Leave, Extended Paternity Leave, Annual Profit-Sharing Program, Health Insurance Plan, Dental Insurance Plan, Multi-Sponsored Private Pension Plan, Soft and Hard Skills Development Program, Internal Mobility Program – Internal Opportunity Matching, Well-Being Program, Life Insurance, Sicoob Corporate University, Meal Voucher, Food Allowance, Transportation Voucher (optional), Wellhub